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About StandFirm11

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  1. Thanks Dx. So the response can be completed online and submitted online via .Gov.uk site? And then a paper copy sent to Nolans as they ticked "post"? Can I send this 1st class without proof of postage? or should I go for a signed for delivery? Sorry for the questions, first time doing this, don't want to make any mistakes that give them a technicality.
  2. Hey all, so looking to start prepping defence return tonight. Any advice about when I should send this? I am worried about possible postal delays or even shutting of PO due to COVID-19. Can I still submit my defence online or via e-mail to the court? I understand that I need to send a postal copy to Nolans because they ticked that in the claim form. Also any thoughts about how this is going to impact cases over this period? Had a look online and it appears scottish courts are limiting number of people allowed in the premises. Assuming this will result in a big backlog and delays? Last date of response is 30/03. Thanks
  3. Had some persistent chapping at my door today with buzzer ringing, very out of the norm for a Monday afternoon. No note left or anything. I will update if anything further happens. If this was anything else that was legitimate I would have been left a card/note or phonecall. I have suspicions it might have been a doorstep but can't be sure I will never answer my door to anyone unannounced so just a waste of time and money at their end if they are playing games.
  4. Thanks Dx appreciate the advice, I'm just going to spend my time reading up. When do you think I should be looking to post off the 07 form? J ust so I know when to start prepping everything. This is obviously the first time I've ever done anything like this so a bit apprehensive and want to make sure I do everything right and fill it all out correctly. Also because of my recent phonecalls and e-mails to Nolans, should I e-mail asking them for no further contact to be made with my e-mail under any circumstances? Also, now I think about it they asked me to fill out a DPA questionairre when e-mailing them. I'm worried now that they have tricked me into some kind of acknowledgment of their legal right to the debt? Sorry if that is silly question, just thought I'd mention it.
  5. Yeah, it really is quite sickening, they prey on people at their absolute lowest. The original creditors clearly don't want the bad publicity of pursuing these poor people so they all it on for pennies to these DCA's it seems. Just reading throught he expenses pages, they are capped at £150 right for a claim of my value? so looking at some of these other threads Nolans are clearly running up 4 - 5x that in fees in pursuit? They must make a lot of money from the undefended claims then, wow. Is there any risk of additional fees being awarded in the event this goes against me? Sorry for all the questions, just really want to make sure I know where I stand for all possible outcomes here. Thanks
  6. I've read that thread, I really wish he had came back to update. I am assuming good news though, otherwise he would have been asking for help. I read a lot of these threads before I registered. You do a lot of good work here Dx, standing up for the little man! The first digits are -...... This is obviously quite a recent debt, do you think the chances are high they can produce the DN, POA and CCA? Or is it a case of they buy in bulk and aren't ever able to obtain the DN? The new SPC process looks like it just makes it so easy for them to fire out 1000's of claims forms and just hope none of them are defended. Thanks
  7. I know, rookie mistake, just panicked. Glad I'm here now though. I know I can trust you will keep me right Dx No luck with the website you linked there, saying not found when inputting the number. Ok, so sit on hands just now. I haven't sent a CCA request yet though, just wondering when you think I should be sending that off? The fact they declined the offer kind of worries me a bit also, I honestly thought they would have bitten my hand off. Makes me think they are confident they can succeed and have all the required paperwork? or they just think I'm a soft touch and will come back offering more?
  8. I honestly think this will be the card number now I think about it. If I remove the first three 0's of the reference number it leaves a 16 digit card number that resembles a CC number. I just don't have any way to confirm it right now. The settled account under Marbles on my credit report has no reference number and the Cabot entry under defaulted accounts also has no reference on the report. Anything I should do right now? Should I send off anything to cabot/nolans?
  9. No 16 digit number on the form. The only reference number on the form is in box D.4 but it's a 19 digit number. D.4: Date of agreement - 26/06/2017 Reference number: xx Unpaid balance: £1261.96
  10. Thanks DX, appreciate the help. I looked into this a bit further, I think you're right they just agree to anything on the phone to get you talking. This is for a Marbles credit card which was provided through NEW DAY. This is showing on my credit file under CABOT now. Sorry, I think the thread needs to be updated to NEW DAY now, my mistake.
  11. Haha, sorry, I was just eager to get all the info up here after finding the site and reading through the threads. Thanks for tidying all of that up for me and the quick response. Yeah, I realise that now. Definitely no more contact with them and everything will be posted on here. I've dealt with paralegals in a past job with liability disputes so I know the kind of tricks they can get up to and it doesn't phase me as long as I keep myself right with the help of you guys. The card is definitely MBNA, they even confirmed that on the phone. That is the only other credit card I have had and the balance matches my experian file. Is it possible they have just made a mistake and noted it as NEW DAY instead of MBNA haha? Judging by other threads nothing is impossible with these guys it seems. I don't have any paper work, I buried my head in the sand and lost all paper work since I moved address. I'm sorry I can't really elaborate on the debt further. I'm sure it started as a £250 limit that was quickly increased to £1250. I then fell into financial difficulties after losing my job and put my family first over debt. It's starting to catch up with me now but I'll never regret that decision. What should my plan of action be now? The only contact I have made is with Nolans following the claim form to put forward a F&F offer of £400 which was rejected. The was a gift from a family member to help settle it so I can't increase that offer at all. What sickens is me is reading about how they purchase these debts by the barrel load for pennies then try to ruin peoples lives by pursuing them through the courts for the full balance. Also through reading the threads it seems like in most cases they just hope you don't defend and they are granted an auto decree. They aren't even getting away with that now I found a really interesting read where Nolans have had cases dismissed even when undefended. https://www.scotcourts.gov.uk/docs/default-source/cos-general-docs/pdf-docs-for-opinions/2018-sac-(civ)-12.pdf?sfvrsn=0 Sorry for the long post, find all of this very interesting now I read more and more into these fleecers. Any advice just now would be appreciated.
  12. name the issuing court: Hamilton Sherriff Court Who Is The Claimant: Cabot Financial UK Ltd Who Are the Solicitors: Nolans Solicitors What type of action? (Simple/Ordinary): Simple What is the claim for – 1.On or around 26/06/2017 the respondent entered into a Credit Card Agreement with New Day Ltd under which the respondent borrowed from them a sum of money repayable on demand. 2.The said agreement was an agreement regulated under the Consumer Credit Act 1973.. 3.The respondent failed to pay as agreed and is in breach of contract with the said NEW DAY LTD. 4.The said supplier assigned all rights in the said debt to CABOT FINANCIAL UK LIMITED on 09/01/2019 and the claimants have advised the respondent of the same. 5.The said sum of £1261.96 is the sum sued for. 6.The claimants have made frequent requests to the respondent to make payment of the said sum but the respondent has refused or delayed to do so. D.4: Date of agreement - 26/06/2017 Reference number: xx Unpaid balance: £1261.96 date of raised claim [or court stamp date from writ] :- Not sure Last Date Of Service [or from form 07]:- 09/03/2020 Last Date For Response [or from form 07]:- 30/03/2020 What Documents are listed in Box E2:[or in your form requesting the same?] 1. No defence: No evidence required 2. No stateable defence (rule 4.4 breach) - no evidence required 3. Defence of prescription: - Copy statement of account only (agreement must be admitted to plead prescription. So agreement not required) 4. Denial of agreement:- Copy Agreement dated 26/06/2017 Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- Credit card BOX D5 what has the claimant stated: IN FULL or [Pleas in law from the writ] The claimants request that the court order the respondent to pay them the sum of £1261.96 from your knowledge: answer the following: When did you enter into the original agreement before or after 2007? after Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- Debt purchaser (Cabots) Were you aware the account had been assigned – did you receive a Notice of Assignment? Not sure, I think so. Did you receive a Default Notice from the original creditor? I think so. Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? I don't think so When was you last payment:- Not sure Why did you cease payments:- I lost my job, had health issues and really got myself into a hole financially. Was there a dispute with the original creditor that remains unresolved? No Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? I think so, but no formal arrangement. I think I missed a couple of payments and made them aware of my situation. Hi all, I've just came across this amazing site and have been reading up on some of the posts regarding Nolans/Cabots. I may have came across this too late, this is all new to me and the first thing I did when I got the claim form was to contact Nolans and put forward a without prejudice F&F offer of £400 as a relative was prepared to gift me the sum for the sole purpose of settling the debt. I used a template from a site which states the offer was without prejudice. Nolans have flat out rejected the offer and have asked for payment in full and will proceed. Am I too late to defend this? Have I prejudice my position by speaking with Nolans? The last date for response is 30/03/2020. I will post a CCA request to Cabots tomorrow enclosing £1. Any help would be appreciated, thanks for reading.
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